ANSWER: It is prohibited to take interest based loan from a bank. The gold and silver kept with the bank as mortgage is still zakatable.

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ANSWER: No, this is not permissible.  Zakat must be given in cash to poor and needy Muslims and they will do whatever they want with it. 

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ANSWER: You must look at all the bank statements of these past years and must pay zakat for all these years if the savings reached or was above nisab and you must repent sincerely to Allah as zakat is one of the pillars of Islam and you cannot be so easy about not fulfilling this […]

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ANSWER: You say the prescribed dhikr (Subhana Rabbiyal aala) and THEN make dua by moving your tongue and lips. You can make it in your own language as well, providing you don’t know how to make that particular dua in Arabic. https://youtu.be/hYToZVeAl20

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ANSWER: Yes, this is authentic Sunnah and also in Fajr sunnah as well.

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